Relationship Manager; Commercial

Job Description

Responsibilities

• Build and maintain strong relationships with existing commercial and prospective clients through regular engagement and effective communication.
• Identify client financial needs and deliver tailored banking solutions, including lending, investment, and transactional services.
• Drive growth of asset book and deposits by sourcing new clients, developing pipelines, and maximizing cross-selling opportunities.
• Appraise credit applications and provide sound recommendations in line with risk policies and guidelines.
• Structure appropriate financial solutions that balance risk management with optimal pricing and commercial viability.
• Develop and manage a high-quality asset and liability portfolio to ensure profitability, sustainability, and acceptable risk levels.
• Monitor portfolio performance (including PAR and NPL) and take proactive measures to maintain asset quality.
• Guide and support Relationship Officers, Relationship Managers and Branch Managers in portfolio growth, client management, and deposit mobilization.
• Build team capacity through continuous coaching, mentoring, and knowledge sharing to enhance performance and credit quality.
• Monitor market trends and competitor offerings to enhance product positioning and drive business growth strategies.
• Develop, track, and manage budgets, sales targets, and business pipelines to ensure timely achievement of objectives.
• Ensure compliance with regulatory requirements, internal policies, and collaborate with stakeholders (credit, risk, operations, legal) while upholding high ethical standards.
• Business understanding of bank's customer base, market segments, products & services, knowledge of government policies relating to banking, BOT regulations, bank policies & procedures
• Good Credit analysis skills.
• Good customer relationship and sound understanding of bank's loan products, policies, and procedures.
• Proficient in standard computer applications, including Microsoft Excel, Word, and Access.
• Strong communication skills with high proficiency in both English and Kiswahili.
• Solid business management, leadership, coaching, and team-building skills.
• Strong sales and negotiation skills, with clear communication, analytical, and reporting abilities.
• Demonstrated ability to effectively prioritize and execute tasks in a high-pressure environment.